| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: SEGAL GROUP | 333 WEST 34TH STREET NEW YORK, NY 100012402 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | $72K | — | $72K | 2.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $1.3M |
| THE SEGAL COMPANY EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $209K |
| KATIE FROMM EIN 13-6414973 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $92K |
| PROSKAUER ROSE LLP EIN 13-1840454 NONE | Legal; Direct payment from the plan Service code 29 | — | $74K |
| SCOTT COOL EIN 13-6414973 PLAN ADMINISTRATOR | Direct payment from the plan; Employee (plan); Plan Administrator Service code 14 | — | $68K |
| FRANKLIN MOSS SPIVAK LIPTON LLP EIN 13-3494495 NONE | Legal; Direct payment from the plan Service code 29 | — | $64K |
| GLORIA SHEA EIN 13-6414973 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $58K |
| DENISE CARMONA EIN 13-6414973 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| WITHUMSMITH & BROWN EIN 22-2027092 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $40K |
| TORTOISE CREDIT STRATEGIES LLC EIN 47-5209018 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $31K |
| EXPRESS SCRIPTS EIN 22-3461740 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $25K |
| CIGNA EIN 06-0303370 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $21K |
| GALLAGHER FIDUCIARY ADVISORS LLC EIN 36-4291971 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $16K |
| EISNER AMPER LLC EIN 13-1639826 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $15K |
| SEGAL SELECT INSURANCE SERVICES INC EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $14K |
| STATE STREET GLOBAL ADVISORS EIN 04-1867445 NONE | Investment management fees paid directly by plan; Investment management; Investment management fees paid indirectly by plan Service code 28 | — | $10K |
| COMERICA INC EIN 42-1741646 NONE | Float revenue; Other services; Custodial (securities); Shareholder servicing fees; Other investment fees and expenses Service code 19 | — | $5K |
| FRUCHTER ROSEN & COMPANY EIN 06-1671819 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $5K |
| WELLINGTON MANAGEMENT COMPANY EIN 04-2755549 NONE | Investment management fees paid indirectly by plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $3K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 570 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY | 2,052 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,052 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.